My wife & I are contemplating buying a house north of the Metroplex. This is new to us. We're still at the stage of weighing up the pros/cons financially & lifestyle wise, and are going to talk to our credit union this week about it. This is all new to us... I've soaked up a relatively good amount of info from friends & from the 'net, but I need more, more, more. Does anyone have any reccomendations on books or sites for this process? One thing I'm curious about - if we get approved for a mortgage & don't chose to use it at this time, is that any kind of a 'black mark' on our credit history? Any pitfalls we should know about? At this stage, we're likely to pick up a 'used' house rather than a newly constructed one. What's the pros/cons to that?